国家队出手，IRR超3.7%，绝了！

<p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >今年，寿险公司保险业务收入排行榜更新，</span></p><p style="text-align: left"><span ><span >有家保司完成了历史性的突破：</span><span style="color: rgb(0, 0, 0)">保险业务收入突破千亿大关，</span></span></p><p style="text-align: left"><span ><strong><span style="color: rgb(0, 0, 0)">一举超越人保寿险，位列行业第7。</span></strong></span></p><p style="text-align: left"><span ><span style="color: rgb(0, 0, 0)">直接撼动了"老七家"的地位，</span><span style="color: rgb(0, 0, 0)">它就是大型央企中国邮政旗下的</span><span style="color: rgb(0, 0, 0)">中邮人寿</span><span style="color: rgb(0, 0, 0)">。</span></span></p><p style="text-align: left"><span >与此同时，中邮人寿新推出的分红型增额寿<strong>「悦享盈佳」</strong>，<br /></span></p><p style="text-align: left"><span >由于“回报+保司”双优，一经上线就收获了超高声量。<br /></span></p><p style="text-align: left"><span >可惜的是，这款购买价值十足的产品，预计近期就会下架调整。<br /></span></p><p style="text-align: left"><span >时间紧，非常有必要跟大家再来聊聊这款产品。<br /></span></p><p style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >一、</strong></span></p><p style="text-align: left"><span >按例先来了解产品详情，</span></p><p style="text-align: left"><span >承保公司在此就不过多赘述了，中邮人寿我们已经详细介绍过：</span></p><p style="text-align: left"><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247497163&amp;idx=1&amp;sn=8834b852fb8e8368a5d35e975a2b2d9c&amp;chksm=c1c166e7f6b6eff10ec6c0e6ff2f44140af725ba45504533fa2c2d428cce2af770adf382a462&amp;scene=21#wechat_redirect" textvalue="“老七家”地位动摇，中邮人寿有多强？" linktype="text" imgurl="" imgdata="null" tab="innerlink">“老七家”地位动摇，中邮人寿有多强？</a></span><span ><strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247497163&amp;idx=1&amp;sn=8834b852fb8e8368a5d35e975a2b2d9c&amp;chksm=c1c166e7f6b6eff10ec6c0e6ff2f44140af725ba45504533fa2c2d428cce2af770adf382a462&amp;scene=21#wechat_redirect" textvalue="“老七家”地位动摇，中邮人寿有多强？" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a><br /></span></strong></span></p><p style="text-align: left"><span ><span >回到产品本身，</span></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3Lo61iaGiamaLZT2bP7DDI9vbllna2byKOMBr0tg9Otiaq8WxrCMjYXCLA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3Lo61iaGiamaLZT2bP7DDI9vbllna2byKOMBr0tg9Otiaq8WxrCMjYXCLA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">1、产品详情</span></strong></span></p><p ><span >悦享盈佳<strong>最高支持70岁的高龄承保</strong>，没有设置趸交，<strong>可以选择<span style="color: rgb(0, 0, 0)">3/5/10年交</span></strong>。<br /></span></p><p ><span >被保险人投保年龄上限与缴费期的对应关系如下：</span></p><p ><span style="color: rgb(136, 136, 136)">3年交：30天-70周岁；<span style="color: rgb(136, 136, 136)">5年交：30天-65周岁；10年交：30天-60周岁；</span></span></p><p ><span >投保门槛相当低，<strong>最低<span >5000元就能上车</span></strong><span >，</span></span></p><p ><span ><span >并且</span><span >中邮人寿</span><span >目前<strong>已在22省市设立了分支机构，投保区域众多</strong>；</span></span></p><p ><span ><span >还有与分红息息相关的<span >红利实现方式</span>，</span><strong><span >采用的是</span>购买交清增额</strong><span >。</span></span></p><section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwibMUEVoQYU3DNaibXrVoiavI7bnDoG7icpC2WWTvQicFmcOiamSUiaktv9EOg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwibMUEVoQYU3DNaibXrVoiavI7bnDoG7icpC2WWTvQicFmcOiamSUiaktv9EOg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p></section><p ><span >以保单红利作为一次交清的保费购买保额（类似加保），</span></p><p style="text-align: left"><span >增加的保额也会对应一部分现金价值，和原现金价值一起随着时间增值。</span></p><p style="text-align: left"><span >这种分红方式，和保额分红类似，都能使得产品回报最大化；<br /></span></p><p style="text-align: left"><span ><span style="color: rgb(33, 89, 103)">保单功能层面</span><span >，不支持加保，</span></span></p><p style="text-align: left"><span >减保需满5年，<strong>年减保上限20%基本保额</strong>，几乎是当前市面最为宽松的规则。</span></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)"><em><span style="color: rgb(136, 136, 136)">注：购买交清增额的保额也会受到20%减保的限制。</span></em></span></p><p style="text-align: left"><span >此外减保的具体流程也相当便捷，<strong>能直接线上官微减保</strong>，也可柜台减保；<br /></span></p><p style="text-align: left"><span >还有个小亮点，<strong>自带投保人豁免</strong>，彰显了保险的关怀。<br /></span></p><section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3JvicIjqJFRJibFt02dRtlEXqVXvX83SaFzMYbfsLOqlq2FA7USC94Sqw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3JvicIjqJFRJibFt02dRtlEXqVXvX83SaFzMYbfsLOqlq2FA7USC94Sqw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p></section><p style="text-align: left"><span >在交费期间内，投保人遭受意外伤害导致身故，且此时不满65岁，可以豁免后续保费（拉长缴费期，可提升豁免概率）；</span><span ></span></p><p style="text-align: left"><span >最后，还有诸如保单贷款（5.68%）、隔代投保、第二投保人、保险金信托等，保单功能相当齐全。</span></p><p style="text-align: left"><span ><span style="color: rgb(33, 89, 103)"><strong><span >2、增值服务</span></strong></span><span ><br /></span></span></p><p style="text-align: left"><span >投保悦享盈佳折算保费达到一定标准，即可成为中邮人寿的VIP客户。</span></p><p style="text-align: left"><span >客户分级标准：贵宾客户、星钻客户、金钻客户、黑钻客户、尊钻客户。</span></p><p style="text-align: left"><span >主要有以下四大类服务项目：健康咨询、就医服务、健康管理、出行服务。<br /></span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3MRDY5JmhYu0UictlCngwX3aEsh9nnI0pMuKjyMjxcPeQqKcyJAsQDNQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3MRDY5JmhYu0UictlCngwX3aEsh9nnI0pMuKjyMjxcPeQqKcyJAsQDNQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">客户服务项目</span></p><section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3eW4LdDg6Mzmfo9UzibaBbic60JO2MKj4rPiaANIw5zB7BSAmic6xGgV1CA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3eW4LdDg6Mzmfo9UzibaBbic60JO2MKj4rPiaANIw5zB7BSAmic6xGgV1CA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span ><span style="color: rgb(136, 136, 136)">折算保费规则</span><strong><span style="color: rgb(136, 136, 136)"></span></strong></span></p><section style="text-align: left"><span style="text-align: left">不同等级的客户可以享受的服务项目不同，</span></section></section><section style="text-align: left"><span >其中健康咨询类中的健康测评、健康咨询、健康视频、图文问诊四项，</span></section><section style="text-align: left"><span >和就医服务类中的私人电话医生服务、用药服务，</span></section><section style="text-align: left"><span >只要达到最低的贵宾客户等级即可享受。<br /></span></section><section style="text-align: left"><span >而像洁牙、高端体检、礼宾专车三项需要达到最高的尊钻等级方可享受。</span></section><section style="text-align: left"><span >总的来说，中邮提供的这些服务还是相当实用的。</span></section><section ><span >就比如<span >电话医生/视频医生，724小时实时咨询，不限制次数。</span></span></section><section ><span >也可以给家人咨询，尤其是夜间发生的日常感冒、腹泻啥的用药指导还是很有帮助的；</span></section><section style="text-align: left"><span >再比如(门诊)专家预约/健康助理陪诊，一年一次，</span></section><section style="text-align: left"><span >可以投保人/被保险人/被保险人直系亲属使用，并且不限制疾病种类。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >二、</strong></span></section><section ><span >下面我们进入利益测算环节，大多数人选增额寿最看重的就是保单回报，即现金价值。</span></section><section ><span >挑选了3款当前在售的顶级分红险作对比，</span></section><section ><span ><span style="color: rgb(33, 89, 103)">中英「福满佳」，招商信诺「利多多3号」，恒安标准「传世臻耀」。</span></span></section><section ><span >这三款无论是从保单利益维度，</span></section><section ><span >还是从保司实力、运营状况、分红实现率、投资能力等维度，都无可挑剔。</span></section><section ><span >分红险的回报由保底利益和红利利益构成，我们拆分开来看。</span></section><section ><span >以10岁男孩，总交30万为例，分缴费期（3/5/10年交）对比。</span></section><section ><span style="color: rgb(0, 128, 255)"><strong >1、保底利益</strong></span></section><section ><section ><section ><section ><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3s2s61hboiawd3VbrxvlPYfDDHfLDDZiaCG7Ph6p2E89PBjsOT9kTzpGA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3s2s61hboiawd3VbrxvlPYfDDHfLDDZiaCG7Ph6p2E89PBjsOT9kTzpGA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3R0SXT71lTSRAEluJhByBaO2sc38JhMa9Ke2NHzewbjZRz5HmkwfVmw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3R0SXT71lTSRAEluJhByBaO2sc38JhMa9Ke2NHzewbjZRz5HmkwfVmw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3I6ZvypQFwVCuNcudrib19al6ZRurw6xwzuS657CQXibtibfl8yebQSSibQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3I6ZvypQFwVCuNcudrib19al6ZRurw6xwzuS657CQXibtibfl8yebQSSibQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section></section></section></section><section ><span style="color: rgb(0, 128, 255)"><strong ></strong></span></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">左右滑动查看更多</span><strong><span style="color: rgb(136, 136, 136)"></span></strong></p><section ><span style="text-align: left">保证利益部分，也就是"分红=0"时，我们保底能获得的收益（白纸黑字写入合同）。</span></section><section label="edit by 135editor" ><section ><section style="text-align: left"><span >三个缴费期，top3都是这三款：<strong style="color: rgb(255, 0, 0)"><span >福满佳＞悦享盈佳＞利多多3号。</span></strong></span></section><section ><span ><span >以3年交为例，同样投入30万，</span><span >悦享盈佳与福满佳相比，</span></span></section></section></section><section ><span style="color: rgb(136, 136, 136)">持有10年，差2300元；持有20年，差3000元；持有30年，差3800元。</span></section><section ><span >相差非常小，两款几乎可以划等号了。</span></section><section ><span >另外分红险保证部分的定价利率上限是2.5%， 越快接近代表收益表现越好。</span></section><section ><span >这俩都能达到2.3%+，已经是当前天花板的存在了。</span></section><section ><span >像利多多3号、传世臻耀都只能在2.1%-2.2%之间，与顶级回报产品还是有点差距的。<br /></span></section><section ><span >所以看保底部分的话，<strong style="color: rgb(255, 0, 0)"><span >悦享盈佳≈福满佳</span></strong>，算是打了个平手。</span></section><section ><span >下面我们来看有分红加持后的收益。</span></section><section ><span style="color: rgb(0, 128, 255)"><strong >2、红利利益（保底+分红）</strong></span></section><section ><section ><section ><section ><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA34YocDFQaHl99ibQXYK5JIjNhpXQBM4oZ6LhJr0VwD1Eq2eHLumwaBww%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA34YocDFQaHl99ibQXYK5JIjNhpXQBM4oZ6LhJr0VwD1Eq2eHLumwaBww/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3IbbhmUXyLId7GvoQH2Sfsq588vmbibKoD7PExsr1ibdQMU6usnqjvFQw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3IbbhmUXyLId7GvoQH2Sfsq588vmbibKoD7PExsr1ibdQMU6usnqjvFQw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section ><section ><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3FOQiaI6PcvVMqB79zIyP9a9tuX4UfL2cWrQ1wNNSPF8V1nwSmPbYgxg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3FOQiaI6PcvVMqB79zIyP9a9tuX4UfL2cWrQ1wNNSPF8V1nwSmPbYgxg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section></section></section></section><section ><span style="color: rgb(0, 128, 255)"><strong ></strong></span></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136); text-align: left">左右滑动查看更多</span><strong><span style="color: rgb(136, 136, 136); text-align: left"></span></strong></span></p><section ><span style="text-align: left; color: rgb(0, 0, 0)">我们仍旧以10岁男孩，总交30万为例，分缴费期来看。</span><strong style="color: rgb(136, 136, 136); text-align: center"><span >左右滑动查看更多</span></strong></section><section label="edit by 135editor" ><section ><section ><span ><span style="text-align: left">和保底利益结论一致，</span><span style="text-align: left">top3为：</span><span ><strong style="color: rgb(255, 0, 0)"><span >福满佳＞悦享盈佳＞利多多3号</span></strong></span><span style="text-align: left">。</span><span ><br /></span></span></section><section ><span style="text-align: left">加上分红，利多多3号的回报显得有点不够看了。<br /></span></section><section ><span style="text-align: left">拿它与悦享盈佳相比的话，以3年交为例：<br /></span></section><section ><span style="text-align: left">保单第20年，悦享盈佳整整比它多了近3万。</span></section><section style="text-align: left"><span ><span style="color: rgb(0, 0, 0)">我们依旧主要看福满佳、悦享盈佳，</span><span style="color: rgb(0, 0, 0)">以三年交为例，投入30万：</span></span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)">保单第12年，福满佳现价42万，悦享盈佳41.6万，IRR都超过3%，年化单利也都达到3.5%+；</span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)">保单第22年，两款产品的保费都实现翻倍，IRR也都基本达到3.5%，年化单利前者破5%，后者也接近5%了。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">并且经过大量测评，我们发现长期IRR可以达到3.7%+的分红增额寿才真正算得上回报拔尖的那一批。<br /></span></section><section style="text-align: left"><span >表中只有福满佳和悦享盈佳能做到，这俩的回报在市面上很少能碰到对手。</span></section><section ><span ><span style="color: rgb(0, 128, 255)"><strong >3、历史分红实现率</strong></span><strong ></strong></span></section><section ><span >以上演示的都是分红100%实现的收益情况，那么分红能否100%实现呢，</span></section><section ><span >我们来参考分红实现率这一指标。</span></section><section ><span >由于悦享盈佳是新产品，暂未披露分红实现率，</span></section><section ><span >我从中邮官网截取了最新披露的各款分红险的分红实现率：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwAgvOxPIbOnIk0QlJDBrhTJSq2U0R9KPn6SwqDXhCvfxY63jWwHffgQ%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwAgvOxPIbOnIk0QlJDBrhTJSq2U0R9KPn6SwqDXhCvfxY63jWwHffgQ/640?wx_fmt=other&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >一共16款现金分红产品，全数达成100%+，</span></section><section style="text-align: left"><span >最低的一款实现了125%，最高的一款实现了143%，分红战绩非常好。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong >4、经营状况、投资能力</strong></span></section><section ><span >我们再来看看中邮人寿的经营状况和投资能力，</span></section><section ><span >参考这俩可以<strong >判断未来分红实现率的长期稳定</strong>。</span></section><section ><span >经营状况主要体现在保险公司的偿付能力和风险评级，</span></section><section label="edit by 135editor" ><section ><section label="edit by 135editor" ><section ><section ><section style="text-align: left"><section ><section ><section ><section ><span ><strong><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3pwMBj4BnJnQhXKccYKPCKehJZ4n0WSKRvULJJyZDM0WYrNuaXKTeiaQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicemnibpXo0Nzf5AlGPfVkMA3pwMBj4BnJnQhXKccYKPCKehJZ4n0WSKRvULJJyZDM0WYrNuaXKTeiaQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></strong></span></section></section></section></section></section></section><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span><strong><span style="color: rgb(136, 136, 136)"></span></strong></span></section></section></section><section style="text-align: left"><span >2023年4季度：<span >核心偿付能力，86.18%；</span></span></section><section style="text-align: left"><span ><span >综合偿付能力，160.38%。</span></span></section><section style="text-align: left"><span style="text-align: left">第三季度的综合风险评级为BB级，也是水平线以上。</span></section></section></section><section style="text-align: left"><span style="text-align: left">投资收益率这块，<br /></span></section><section style="text-align: left"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicd5yW5DRRkOUCXQBbjJbe3pb0S2JX1ILzDibtxdj8x09EQKDCuzBv6fQ40bpIlBjDXWRsOx1jkDsDg%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicd5yW5DRRkOUCXQBbjJbe3pb0S2JX1ILzDibtxdj8x09EQKDCuzBv6fQ40bpIlBjDXWRsOx1jkDsDg/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section ><section style="text-align: center"><section ><svg viewbox="0 0 1 1" ></svg></section><section ><section ><p ><span ><span style="color: rgb(136, 136, 136)">向下滑动查看所有内容</span><strong ><span style="color: rgb(136, 136, 136)"></span></strong></span></p></section></section></section></section><section style="text-align: left"><span >中邮人寿近三年平均投资收益率为4.99%，位于行业中游。</span></section><section style="text-align: left"><span >不过</span><span >去年初，</span><span >中邮成立了自己的资产管理公司：</span><strong >中邮保险资产管理有限公司</strong><span >。</span></section><section style="text-align: left"><span >拥有自己的资管公司，就意味着进入"保险公司+资管公司"分工协作的"自营委托+自主投资 "新模式。</span></section><section style="text-align: left"><span ><span style="text-align: left">往后</span><span style="text-align: left">中邮的投资收益率或许会获得不小</span><span style="text-align: left">的提升</span>。</span></section><section style="text-align: left"><span ><span ></span></span></section><section style="text-align: left"><span >最后，综合中邮人寿的股东背景、运营现状、投资能力、分红实现率等维度，都没什么好挑剔的。</span></section><section style="text-align: left"><span >作为老七家的有力竞争者，本身就是庞然大物的中邮人寿，产品真心可以放心买。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >三、</strong></span></section><section ><span >总的来说，悦享盈佳的回报表现非常出彩，轻松跻身市面top级。</span></section><section ><span >我们常说挑分红增额寿，因为有“分红”这个不确定的存在<span >，公司某种程度上更加重要。</span><br /></span></section><section ><span >而悦享盈佳在保司实力上更是不遑多让。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong style="color: rgb(255, 0, 0)"><span style="color: rgb(33, 89, 103)">如果想要大公司高回报的分红增额寿，悦享盈佳无疑可以当做首选。</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">当然，不可否认的是，福满佳的收益是要略高于悦享盈佳的。</span></section><section ><span ><span style="color: rgb(0, 0, 0)">想博取最高的回报，福满佳也是不错的选择。</span></span></section><section ><span style="color: rgb(0, 0, 0)">只是还是得提醒大家，<span style="color: rgb(0, 0, 0)">悦享盈佳</span>预计近期会下架调整。</span></section><section ><span style="color: rgb(0, 0, 0)">这种"央企+高回报"的产品，市场十分稀缺！<br /></span></section><section ><span ><strong style="color: rgb(255, 0, 0)"><span ><em style="text-align: left; color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >有疑</span></strong></span></em><em style="text-align: left; color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >问，可以扫描下图二维码找我团队专业规划老师。</span></strong></span></em></span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section></mp-common-profile></section><section ><section ><br /></section></section><section ><br /></section><p ></mp-style-type></p>